help guide him, and he'll set money aside from his first day of work to his last, which isn't rocket science. it's just common sense. from td ameritrade. ♪ >>> welcome back. shoppers hitting the malls for last-minute gifts, while not yet. it's a bit early in california. cnbc's jane wells joins us now with more. just one time of the year, jane, where even back here in the jersey suburbs that's like l.a. in terms of traffic. everybody is out. i mean, just huge jams, trying to get to the malls. it's hideous. yeah, look at you. >> well, right now the only other person with me at the galleria is another reporter from the local nbc station. actually macy's here at the galleria is open. it has been open around the clock. but, i'm looking. i see two employees, no shoppers. and the verdict really is still out on this holiday shopping season. the lull between black friday and today keeps getting longer. and, in fact, shopper track has now lowered its holiday sales forecast from 3.3% growth to only 2.5%. but consumer reports predicts nearly one in ten of us will still be shopping today. shoppers have